Part of your problem lies with the fact that if you are paying for your type rating with a UK company which you will subsequently be working for, the company will claim back tax relief on your training at the full corporate rate - so the tax relief will be going to them and not you.
This is common. All airlines in the UK who charge you the full cost of your type rating are actually making money out of you when it comes to tax paying time. Sounds unfair - that's because it is! But the pilot workforce have only themselves to blame as they are only too willing to pay for their own training to get that first job.
I look forward to the time when demand outstrips supply again and this sharp practice ceases.